Thinking of choosing finance?
Finance is a great way to spread the cost of your purchase. To make it easy we’ve teamed up with Deko whose technology lets you apply for and complete the loan application quickly and entirely online.
Simply add the items you love to your basket. Once you are at the checkout select the finance option that suits you and choose Deko. The quick application form should take no more than a couple of minutes to complete and you’ll receive an instant decision. Easy!
Check your eligibility
You will only be considered for finance if you:
- Are at least 18 years old
- You’re in paid employment or have a regular income (minimum 16 hours per week or £6,000 per annum, unless you are retired and receiving a private / company pension or in receipt of disability allowance)
- Are a permanent UK resident and have lived in the UK for at least 3 years
- Have a UK bank account capable of accepting Direct Debits
- Have a good credit history with no late payments, debt relief orders, County Court Judgment (CCJs), Individual Voluntary Arrangement (IVAs) or bankruptcies
- Provide an email address so your documentation can be emailed to you
Lender temporarily tightened credit policy as a direct reaction to the pandemic we are currently experiencing.
New tightened criteria, If customer answer YES to any of the below it is unlikely they will be approved for finance at this moment in time:
- Under 24 years old or over 75 / tenant, living with parents or live in social housing / unemployed, self-employed, a contractor, freelancer or zero hours contract / if employed and work in hospitality, travel and tourism or entertainment sectors
Our payment plan options
We offer a range of interest-free and interest bearing finance options to help you spread the cost of your purchase over 12 to 36 months. The value of the loan needs to be over £300 and you can choose a deposit of up to 50% of the value of the goods.
12 month term 0%
18 month term 0%
24 month term 9.9%
36 month term 9.9%
Paying with finance
Simply add the purchases to your basket and select Deko at checkout. You’ll then be taken to the application form, which takes just a few minutes to complete.
Take a look at our products available with finance and Shop Now
Your application will be assessed based on eligibility, credit history and affordability and Deko will let you know the outcome in just a few seconds. It’s important to know that when applying for finance a hard credit check is made which is recorded on your credit file.
Once approved, Deko will let you know who the lender is and provide you with their full contact details. You then just need to digitally sign your credit agreement, pay your deposit and wait for your order to arrive.
In a few cases, your application may be referred to a lender for manual assessment and you’ll be notified by email of the credit decision within 24 hours. If you’re not approved for finance it could be for a variety of reasons and the lender will be able to give you more information.
Repaying the loan
Your first direct debit payment will be taken about a month after you receive your purchase. This will show on your statement as a payment to your lender. You have the right to repay all or part of the loan early at any time.
There is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you wish to do this please contact us (your retailer) directly. We can cancel the application on your behalf. There is no need to contact Deko or your lender.
A payment plan does not affect our standard refund and returns policy. Just contact us and we’ll cancel your application and the lender will refund your deposit and let you know of any outstanding balance if applicable.
J Coates is authorised and regulated by the Financial Conduct Authority, registration number 624963 and acts as a credit broker and not a lender. Finance is provided through the Deko platform by Omni Capital Retail Finance Limited. Omni Capital Retail Finance Limited is authorised and regulated by the Financial Conduct Authority (register number 720279).
Deko is a trading name of Pay4Later Ltd which act as a credit broker and not a lender. They are registered in England and Wales (company number 06447333) and authorised and regulated by the Financial Conduct Authority (register number 728646). For more information please go to www.dekopay.com/support or visit www.dekopay.com.